create_plan_handoff
ChatGPTCreates a short-lived, single-use NestPilot planner link after the user explicitly clicks Continue in the NestPilot planner. This app-private helper is not a retirement analysis tool and must not be selected by the model.
Overview
NestPilot Foundation is a 501(c)(3) public charity offering anonymous educational retirement calculations in ChatGPT. Users can compare retirement ages, Social Security claiming ages, Roth conversion scenarios, Medicare enrollment timing, and a full retirement forecast without creating an account or providing an email address. Model-visible launchers only open interactive review UIs and never calculate. The optional NestPilot Retirement Checkup skill opens one persistent widget that displays supplied facts and defaults, requires an explicit baseline button click, and then offers one relevant follow-up at a time behind its own button. Every completed result remains available as a tab. Forecast and analysis tools are app-only, anonymous, and do not save plans or create records. If the user explicitly clicks Continue in web planner, an app-private helper creates a temporary 24-hour, single-use handoff containing the complete plan input so nothing must be re-entered. The app does not sell products, promote paid services, manage investments, compare or enroll users in Medicare plans, prepare tax returns, diagnose medical conditions, collect credentials, or execute transactions.
Tools
medicare-analyze
ChatGPTAnalyzes a user's Medicare situation. Called by the Medicare Guardian view to compute enrollment deadlines, penalty estimates, and a readiness score. Do not call this tool directly - it is used internally by the Medicare Guardian UI.
medicare-guardian
ChatGPTShows an interactive Medicare enrollment timeline using birth month/year, employment status, and current coverage. USE THIS TOOL WHEN THE USER: - Asks when to enroll in Medicare or whether an IEP/SEP may apply - Wants educational estimates of Part B or Part D late-enrollment penalties - Needs to understand employer coverage, COBRA, retiree coverage, or HSA timing around Medicare DO NOT USE FOR: - Comparing specific Medicare Advantage or Medigap plan prices/benefits - Medical diagnosis, treatment, or prescription questions - Medicare plan shopping, enrollment, or brokerage Use only birth month and year; never request an exact birth day. The tool does not enroll the user or send reminders.
open_retirement_age_explorer
ChatGPTThis quick explorer is only for one standalone directional question. A request for a complete or holistic retirement checkup, or any request that connects two or more decisions such as retirement age, Social Security, Roth conversion, healthcare, or Medicare, is not eligible for this tool even when it mentions this tool's topic. For those multi-decision requests, follow the retirement-checkup intake and confirmation workflow first; do not open any explorer during MISSING_INPUTS or READY_FOR_CONFIRMATION. This routing restriction takes priority over every topic keyword below. The same question with only a few facts and no request for plan modeling uses the matching explorer, open_retirement_age_explorer or open_social_security_explorer; after an explorer result, offer the focused analysis once, naming the facts it needs, and never open it unasked. One retirement-age or Social Security claiming question uses start_retirement_checkup with focus when the user has given the plan facts, or asks for their plan, portfolio, spending, taxes, or a couple's joint claiming to be modeled; ask for any missing plan facts first. Use this for one retirement-age question when the user has only a few facts, such as an age, savings, and spending. Open the interactive form with any known inputs. This launcher never calculates; the user reviews the form and explicitly clicks Compare retirement ages before the app-only calculator runs.
open_roth_explorer
ChatGPTThis quick explorer is only for one standalone directional question. A request for a complete or holistic retirement checkup, or any request that connects two or more decisions such as retirement age, Social Security, Roth conversion, healthcare, or Medicare, is not eligible for this tool even when it mentions this tool's topic. For those multi-decision requests, follow the retirement-checkup intake and confirmation workflow first; do not open any explorer during MISSING_INPUTS or READY_FOR_CONFIRMATION. This routing restriction takes priority over every topic keyword below. Use this when the user's only retirement question is whether to consider a Roth conversion. A Roth conversion candidacy question uses open_roth_explorer; plan-backed Roth modeling runs as the Roth step of a retirement checkup, which start_retirement_checkup opens without focus. Open the interactive form with any known inputs. This launcher never calculates; the user reviews the form and explicitly clicks Assess my Roth window before the app-only calculator runs.
open_social_security_explorer
ChatGPTThis quick explorer is only for one standalone directional question. A request for a complete or holistic retirement checkup, or any request that connects two or more decisions such as retirement age, Social Security, Roth conversion, healthcare, or Medicare, is not eligible for this tool even when it mentions this tool's topic. For those multi-decision requests, follow the retirement-checkup intake and confirmation workflow first; do not open any explorer during MISSING_INPUTS or READY_FOR_CONFIRMATION. This routing restriction takes priority over every topic keyword below. The same question with only a few facts and no request for plan modeling uses the matching explorer, open_retirement_age_explorer or open_social_security_explorer; after an explorer result, offer the focused analysis once, naming the facts it needs, and never open it unasked. One retirement-age or Social Security claiming question uses start_retirement_checkup with focus when the user has given the plan facts, or asks for their plan, portfolio, spending, taxes, or a couple's joint claiming to be modeled; ask for any missing plan facts first. Use this for one Social Security claiming question when the user has only a few facts, such as an age and a benefit estimate. Open the interactive form with any known inputs. This launcher never calculates; the user reviews the form and explicitly clicks Compare claiming ages before the app-only calculator runs.
render_retirement_checkup
ChatGPTRender one persistent, tabbed UI containing the completed results from a Retirement Checkup. App-only: the conversation never calls this tool. A checkup starts with start_retirement_checkup, whose persistent review runs each calculation after its own click and keeps every completed result as a tab, so no render step follows it. The app passes each completed tool's structuredContent unchanged, in execution order, and only results produced from the same confirmed planInput. This tool performs no calculations and must not replace, invent, summarize, or modify an analysis result.
retirement_age_analysis
ChatGPTCompares candidate retirement ages using the user's full retirement plan and reports modeled portfolio runway, shortfall, and legacy outcomes. App-only: the NestPilot app calls this calculator after the user clicks inside the retirement checkup or a focused retirement-age analysis. One retirement-age or Social Security claiming question uses start_retirement_checkup with focus when the user has given the plan facts, or asks for their plan, portfolio, spending, taxes, or a couple's joint claiming to be modeled; ask for any missing plan facts first. The same question with only a few facts and no request for plan modeling uses the matching explorer, open_retirement_age_explorer or open_social_security_explorer; after an explorer result, offer the focused analysis once, naming the facts it needs, and never open it unasked. The app provides either planInput from retirement_forecast or all required flat inputs. Do not call the tool with empty or guessed arguments. With flat inputs the result also lists every default applied (assumptionsApplied). Explain material assumptions and trade-offs; do not present a modeled age as a guarantee or personalized financial advice. This tool does not save a plan or create a handoff record.
retirement_age_explorer
ChatGPTApp-only calculator behind open_retirement_age_explorer: the explorer widget calls it after the user clicks Compare retirement ages. The same question with only a few facts and no request for plan modeling uses the matching explorer, open_retirement_age_explorer or open_social_security_explorer; after an explorer result, offer the focused analysis once, naming the facts it needs, and never open it unasked. One retirement-age or Social Security claiming question uses start_retirement_checkup with focus when the user has given the plan facts, or asks for their plan, portfolio, spending, taxes, or a couple's joint claiming to be modeled; ask for any missing plan facts first. The explorer's interactive UI collects missing calculator values before running the comparison. Never guess missing values. No plan is saved.
retirement_forecast
ChatGPTRuns an anonymous educational retirement forecast with year-by-year projections. App-only: the conversation never calls this calculator. The retirement checkup widget calls it after the user clicks Run my checkup, for a readiness question or a complete checkup. A complete checkup, or any request connecting two or more retirement decisions, uses start_retirement_checkup without focus. The app provides current age, target retirement age, filing status, retirement savings or itemized accounts, annual income, and retirement spending, plus spouse and supplemental-income fields when relevant. Do not call the tool with empty or guessed arguments. Returns the assembled planInput and every default assumption so follow-up analysis can use the same facts. The calculation uses no authentication headers and does not save a plan or create a handoff record. Results are estimates, not financial, tax, legal, or investment advice.
roth_analysis
ChatGPTModels year-by-year Roth conversion policies within the user's full retirement plan, including estimated tax cost, bracket use, IRMAA exposure, and legacy differences. App-only: the conversation never calls this calculator. The retirement checkup widget calls it after the user clicks Analyze Roth conversions. A Roth conversion candidacy question uses open_roth_explorer; plan-backed Roth modeling runs as the Roth step of a retirement checkup, which start_retirement_checkup opens without focus. The policy is conservative unless the user selects another. The optimized policy considers modeled all-in marginal costs, including ACA subsidy effects before Medicare and Medicare IRMAA effects where applicable. The app provides either planInput from retirement_forecast or all required flat inputs. Do not call the tool with empty or guessed arguments. Treat tax rates, ACA rules, and Medicare thresholds as assumptions and encourage review with a qualified tax professional before acting. This tool does not execute a conversion, save a plan, or create a handoff record.
roth_explorer
ChatGPTApp-only calculator behind open_roth_explorer: the explorer widget calls it after the user clicks Assess my Roth window. A Roth conversion candidacy question uses open_roth_explorer; plan-backed Roth modeling runs as the Roth step of a retirement checkup, which start_retirement_checkup opens without focus. The explorer's interactive UI collects missing calculator values before running the assessment. Never guess missing values. This heuristic does not calculate a tax return or direct an asset transfer.
roth_optimize
ChatGPTSearches modeled Roth conversion schedules for the highest after-tax legacy value under the supplied retirement-plan assumptions. App-only: the conversation never calls this calculator. A Roth conversion candidacy question uses open_roth_explorer; plan-backed Roth modeling runs as the Roth step of a retirement checkup, which start_retirement_checkup opens without focus. The app provides either planInput from retirement_forecast or all required flat inputs. Do not call the tool with empty or guessed arguments. Describe the result as model-dependent, not universally optimal, and identify major tax, return, longevity, and Medicare assumptions. This tool does not execute a conversion, save a plan, or create a handoff record.
roth_simulate
ChatGPTSimulates a user-specified Roth conversion scenario, such as an annual dollar cap, age range, or target tax bracket, within a full retirement plan. App-only: the conversation never calls this calculator. A Roth conversion candidacy question uses open_roth_explorer; plan-backed Roth modeling runs as the Roth step of a retirement checkup, which start_retirement_checkup opens without focus. The app provides either planInput from retirement_forecast or all required flat inputs, plus policyMode and any custom scenario fields. Do not call the tool with empty or guessed arguments. Report modeled differences and assumptions without directing the user to make a transaction. This tool does not execute a conversion, save a plan, or create a handoff record.
social_security_analysis
ChatGPTCompares Social Security claiming ages 62 through 70 within the user's full retirement plan, including modeled portfolio effects and breakeven timing. App-only: the NestPilot app calls this calculator after the user clicks inside the retirement checkup or a focused Social Security analysis. One retirement-age or Social Security claiming question uses start_retirement_checkup with focus when the user has given the plan facts, or asks for their plan, portfolio, spending, taxes, or a couple's joint claiming to be modeled; ask for any missing plan facts first. The same question with only a few facts and no request for plan modeling uses the matching explorer, open_retirement_age_explorer or open_social_security_explorer; after an explorer result, offer the focused analysis once, naming the facts it needs, and never open it unasked. The app provides either planInput from retirement_forecast or all required flat inputs. Do not call the tool with empty or guessed arguments. With flat inputs the result also lists every default applied (assumptionsApplied). Explain assumptions and trade-offs, including spouse and survivor considerations when applicable; do not present the result as an official SSA determination or personalized financial advice. This tool does not save a plan or create a handoff record.
social_security_explorer
ChatGPTApp-only calculator behind open_social_security_explorer: the explorer widget calls it after the user clicks Compare claiming ages. The same question with only a few facts and no request for plan modeling uses the matching explorer, open_retirement_age_explorer or open_social_security_explorer; after an explorer result, offer the focused analysis once, naming the facts it needs, and never open it unasked. One retirement-age or Social Security claiming question uses start_retirement_checkup with focus when the user has given the plan facts, or asks for their plan, portfolio, spending, taxes, or a couple's joint claiming to be modeled; ask for any missing plan facts first. The explorer's interactive UI collects missing calculator values before running the calculation. Never guess missing values. The result ranks claim ages by lifetime total under an explicit longevity assumption, and reports the longevity at which that ranking flips (longevityBreakEven). The ranking is not a recommendation to claim at a particular age: it moves with assumedLongevity, so present it as a comparison, not a verdict. suggestedAge is null when the user is already past every claim age, or when no benefit estimate was supplied — do not substitute an age of your own in that case. This is an educational estimate, not an application for benefits.
start_retirement_checkup
ChatGPTUse this when the user asks for a complete retirement checkup or connects two or more retirement decisions such as readiness, retirement age, Social Security, and Roth conversions. Collect all known plan facts and open one persistent interactive review. This launcher performs no financial calculation. The user must review the displayed inputs and defaults and click Run baseline forecast. Each optional follow-up is then offered one at a time inside the same app, and runs only after its own button click. Never call retirement_forecast or an analysis tool directly for a new scan; those calculators are app-only executors.
Capabilities
Interactive
Example Prompts
Click any prompt to copy it.
